It's practically brand new! This Mazda Axela Premium Edition, registered in October 2023, has only driven 18,000 kilometers. The entire car is in its original paint, with not a single scratch on the rims. It exudes the feel of a brand new car inside and out. The owner has been parking it in the garage for a long time, and since he spends most of his time in Hong Kong, he rarely uses the car. He will receive the full insurance premium at the end of 2026 and can drive it right away. He can even make installments and drive it home with a down payment of just over HKD 10,000!
As long as the scratches do not damage the aluminum battery pack casing and do not cause structural dents in the crash beam, we will document it in the inspection report as "Surface Scuff" and no replacement will be made.
For older vehicles or those used in high temperature and humidity areas, we will focus on opening the hood to check if the insulation of the wiring harness in the high-temperature area of the engine compartment is cracked or brittle, to identify potential short circuit risks that could lead to spontaneous combustion.
Yes. Due to the significant difficulty in extinguishing lithium battery fires, insurance companies typically charge 20%-40% higher rates for comprehensive coverage on used EVs compared to ICE vehicles. Additionally, the absolute deductible for minor scratches on the body will also be increased accordingly.
